金融混业经营下防火墙法律制度研究

发布时间：2018-01-10 17:21

本文关键词：金融混业经营下防火墙法律制度研究　出处：《河北经贸大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融在全球经济中具有举足轻重的地位,为实体经济提供资本支持,同时更是一国经济稳定的平衡器,在经济全球化的大环境下,金融业愈发的趋向于具有协同效益的混业经营模式;我国金融业发展历程较短,但却有着一个较为全面的发展过程,建国初期的原始混业经营模式随着计划经济的发展,促使风险频发,国务院和银行业监管部门吸取国内外金融业发展经验适时抉择,选取分业经营、分业监管模式对国内金融业加以严格管控,然而进入新时期,在金融全球化和外来金融资本如潮水般涌入的情势下,面对国际资本竞争的加剧,我国不得不选择逐步抛弃保守的分业经营模式而建立现代金融业混业经营模式;分业经营、分业监管被抛弃的同时,金融风险势必在金融混业经营中悄然而生,由风险所致的危机也必然影响我国金融市场的稳定;在金融立法缺失和监管制度落后的环境下,贸然进行经营模式转变势必造成风险的串联进而引发金融危机,这也是国务院和国家银行业监管机构所预见到的问题,在加强整合竞争力以及发挥规模效益的同时对于金融风险的防范不可小觑,因为金融业虽然是高风险、高收益行业,但同时又是一国经济发展的命脉行业,故金融业稳定、健康、有序发展应当摆在与效益同等重要的地位,甚至要稍微高于对效益的追求的层面;同西方发达资本主义国家相比,我国金融防火墙制度的产生和发展都较为薄弱,我国金融业发展期间较短,虽是基本上经历了金融业发展的全部阶段,但大都是向世界各先进国家习得并施以法律加以推广的舶来品,面对自身金融业风险的评估缺乏经验。拿金融防护墙制度来说,我国金融防火墙制度的发展是一个政府指引的渐进发展过程,虽然现阶段混业经营模式已经实际的在金融市场竞争中发挥作用,但是金融各业之间的监管还是各自为政,缺乏一个全面的均衡的适用于金融混业经营的“防火墙”制度。本文以五部分组成,通过对我国金融业发展和防火墙构建的现状加以分析,并借鉴国外经验找出完善我国金融防火墙制度具体策略和立法原则。第一部分,主要通过引言加以介绍金融业混业经营模式以及防火墙制度完善等问题的研究目的和意义以及国内外研究现状,以及对国内外学者的相关论述进行整理分析,借以完善我国现有金融防火墙相关制度进而构建一部完备的金融防火墙法律制度。第二部分,主要介绍金融防火墙理论基础。通过对金融防火墙制度产生的市场背景以及金融防火墙制度的分类和作用来阐明金融防火墙在我国金融业混业经营模式下,金融监管的发展方向。第三部分,以美国、日本为两大对比对象,将域外相关金融防火墙制度经验,取长补短,认真汲取值得借鉴的有益制度。在明确我国现有混业经营金融监管制度存在不足的情势下,通过选择、对比,寻求适用于我国的金融防火墙制度的发展范式。第四部分,主要介绍我国金融业混业经营当前发展态势,以及我国相关金融防火墙制度在立法、司法、执法三个层面的现状与不足。通过立法、执法监管、金融消费者和中小股东保护以及防火墙制度和协同效益协调困难等四个具体问题,来发现我国金融业发展及金融防火墙制度还有哪些不足。第五部分,结合我国现有法律规定以及域外的相关制度,提出针对两大方面完善我国金融防火墙制度的建议,包括金融防火墙的立法原则及其在实践层面中的具体操作方法,进而使得法律和自律防火墙在我国金融法律制度中趋于完备,在金融司法实践中能够更为便利有效的应用。使我国金融业在国际金融混业经营大趋势下,发挥规模效益的同时防范金融风险,为金融业健康有序发展保驾护航。总之随着我国金融业的不断发展和演变,针对本国金融特性的监管方案也逐渐产生和完善;目前我国金融防火墙制度已有一定发展,但呈现一种破碎化的状态,监管机构的各自为政,也导致我国至今还未形成一部完整的针对现代混业经营模式的金融防火墙法律制度。这是目前我国金融防火墙制度发展完善的缺失点,更是需要着重弥补的短板,建立健全金融法律能够为金融业的健康发展提供有力保证,因此金融防火墙制度的发展完善需要相关法律来予以支持和引导,而金融监管法律的构建要有一个中心思想,这就是随着金融全球化浪潮的推进,我国金融业发展规模逐渐扩大,国内外金融资本竞争不断加剧的情势下,在安全稳定和效益利润中寻求平衡点是构建和完善具有中国特色的金融防火墙法律制度的重中之重。
[Abstract]:Finance plays a decisive role in the global economy, to provide capital support for the real economy, but also a country's economic stability balancer, in the context of economic globalization, the financial industry increasingly tend to have synergistic benefits of mixed operation; the development process of China's financial industry is relatively short, but with a the comprehensive development process, the early days of the original operation mode with the development of the planned economy, prompting frequent risks, the State Council and the banking regulatory departments from domestic and foreign financial industry development experience timely choice, select separate operation, separate supervision mode to the strict control of the domestic financial sector, but in the new period, in the financial globalization and foreign financial capital flooded into the situation, in the face of international capital competition, China had to choose to gradually abandon the separate operation mode and the establishment of a conservative Mixed operation mode of the modern financial industry; separate operation, separate supervision abandoned at the same time, financial risks in the financial mixed operation born quietly, from the risk caused by crisis will influence the stability of China's financial market; financial environment in the absence of legislation and supervision system behind the series, rashly business model change will inevitably cause the risk of triggering a financial crisis, this is also the State Council and the state banking regulators foresaw problems in strengthening the integration and competitiveness play a scale and prevent the financial risk can not be underestimated, because the financial industry is high risk, high profit industry, but it is the lifeblood of a country's economic development industry therefore, the financial industry stable, healthy, orderly development should be placed in the equally important position with benefits, even slightly higher than that of the pursuit of the benefit with the western developed level; The capitalist countries, the emergence and development of China's financial firewall system are relatively weak. During the development of the financial industry in China is relatively short, although it is basically through all stages of the development of the financial industry, but mostly to the advanced countries in the world and to promote the acquisition of legal evaluation abroad, face their own risk to the financial sector lack experience with financial system. The protective wall, the development of China's financial firewall system is the progressive development of a government guidance, although the mixed operation mode at this stage has actually play a role in the financial market competition, but the financial industry regulation or lack of coordination between, for the lack of a comprehensive and balanced financial mixed operation the "firewall" system. This paper is composed of five parts, construction status through the development of China's financial industry and the firewall are analyzed, and the reference of foreign Check out the improvement of China's financial firewall system specific strategies and principles of legislation. The first part mainly introduces the problem of financial mixed operation mode and firewall system improving the research purpose and significance and research status at home and abroad through the introduction and discussion of domestic and foreign research were analyzed, in order to improve the existing financial firewall in China the related system and construct a complete financial firewall legal system. The second part mainly introduces the theoretical basis of financial firewall. Through the classification and role of the market in the background of the financial firewall system and financial firewall system to clarify the financial firewall in the mixed operation mode of China's financial industry, the development direction of financial supervision. The third part in the United States, Japan is the two largest contrast object, the overseas related financial firewall system experience, learn from each other, learn seriously The beneficial system is worth learning. In clear our existing mixed operation financial supervision system shortage situation, through selection, comparison, development paradigm of the financial firewall system to seek suitable for our country. The fourth part mainly introduces the mixed management of financial industry in China and China's current development situation, the related financial firewall system the legislative, judicial, law enforcement status and shortcomings of three aspects. Through legislation, law enforcement and supervision, financial consumer protection of small and medium shareholders and the firewall system and synergy coordination difficulties in four specific problems, to find out the development of China's financial industry and the financial firewall system what are the deficiencies. The fifth part, combined with our existing laws and the related system of extraterritorial, aiming at perfecting the financial firewall system proposed in two aspects, including the principle of legislation and practice of the financial firewall layer Specific methods of operation surface, as well as the law and discipline of firewall in China's financial legal system become perfect, can be more convenient and effective application in judicial practice. The financial management of China's financial industry trends in the international financial mixed, play a scale and guard against financial risks, the financial industry for health the orderly development of escort. Together with the development and evolution of China's financial industry, the regulatory scheme for their financial characteristics have gradually produced and perfect; the existing financial firewall system in our country has a certain development, but the fragmentation state regulators also lead to lack of coordination, our country has not yet formed a complete according to the modern mode of mixed operation of financial firewall legal system. It is currently China's financial firewall system development and improvement of the missing point, is the need to make up the short board on, Establish and improve the healthy development of the financial law can provide a powerful guarantee for the financial industry, so the development of the financial firewall system to improve the relevant laws to support and guide, and the construction of financial supervision law should have a central idea, which is along with the financial globalization tide in advance, the scale of development of China's financial industry is gradually expanding, the domestic foreign financial capital increasing competition situation, seeking the balance point in the safety and benefit is the priority among priorities can construct and perfect the Chinese characteristics of financial firewall legal system.

【学位授予单位】：河北经贸大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.28

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